Financial Reconciliations• Performed monthly reconciliations of all balance sheet and Income statement accounts• Evaluate, develop and automated monthly reconciliations.• Implemented policies & procedures for the financial and accounting functions.• Completed variance analyses and communicated recommendations to managementBudgeting and Strategic Planning• Worked with departmental leaders to develop organization budgets and forecasts. • Analyzed and presented results of current year financials against budget and prior year. • Completed cost center analysis to provide better information for leadership decision making.• Using Central Information systems to support and to develop business strategies for growth and expansions. • Enhanced and created a sales culture by managing business development thru salesforce.com• Developed Business Models to measure product profitability and consumer profitability.Cost Accounting• Designed costing methodologies for manufacturing entities and financial services firm.• Developed allocation methodology based on actual and/or forecasted activities.• Developed tiered allocations that generated department charge and overhead rates.• Implemented new rates, rolled standards to update costs, and revalued inventory.Business Process Improvement• Managed and implemented process for Commercial Lending & Underwriting standards.• Assessed process strengths and weaknesses throughout finance organizations.• Documented current and proposed processes through memoranda and flow charts.• Prepared process improvement proposals for management consideration.• Managed and implemented process improvements throughout finance organization.System Implementations• Worked with functional areas to facilitate new system selection.• Acquisition and conversion of several financial institutions.• Mapped, cleansed and purged existing data files for conversion to new system.

Experienced Strategic Consultant with a proven track record of increasing profits, driving new growth, reducing operational costs, improving operational efficiencies. Adept at managing comprehensive review and analysis of organizational operations, performing financial analysis and modeling, and developing and implementing strategies. Talented leader directing highly skilled management teams to support achievement of the overall corporate goals and objectives. Using a hands-on leadership approach to his work and is able to balance multiple responsibilities simultaneously for his clients. Able to develop, manage, and execute sales, marketing, and business development.• Managed high profile client relationships at the C- level point of contact.• Preformed market area analysis to support retail banking strategies, branch viability, marketing plans and small business strategies.• Developed models to support deposit pricing, core funding strategies and branch profitability.• Evaluated, develop revenue enhancement and product gap analysis.• Provided operational review and provide tactical solutions.

Reporting to the CEO, direct and manage all activities in the financial and accounting functions of the Credit Union to include: Accounting Management, ALM, Auditing, Budgeting, Cash Management, Cost Accounting, Financial Analysis, Financial Reporting, Forecasting, Commercial Lending underwriting, Business Development and Regulatory Compliance. Primary duties include:* Evaluate, develop, and/or implement policies and procedures for the Accounting/Finance function and ensure functions meet general accepted accounting functions (GAAP). Ensure that policies and procedures reflect current regulations and are well-communicated and implemented internally.* Direct and manage staff in the financial and accounting functions of the Credit Union. Provide direction to staff; resolve technical issues; monitor performance; and provide development opportunities that enhance both the Credit Union and the department. * Identify areas for improvement, change in procedures, new developments, or changes in services.* Administer the cash position of the Credit Union by adequately forecasting the institution's liquidity needs while maximizing returns.* Manage the Credit Union's Investment Portfolio. Serve as a member of the Asset Liability Management Committee.* Provide financial and strategic planning and forecasting.* Develop, perform, and oversee various internal audit procedures, i.e. cash accounts, teller drawer audits, review of employee accounts, loan documentation, wire transfer, etc.Accomplishment include: * Developed a more comprehensive budget system to better reflect cost and product profitability.* Launched a strategic plan to sell loan into the secondary market, which help managed interest rate risk and developed a revenue stream for the Credit Union.

Directed the financial management functions including development of monthly, quarterly and annual financial statements, financial forecasts, account reconciliations, cash management. Administered all financial management systems and evaluated/ integrated new applications. Developed highly skilled internal reporting and financial programs. Accomplishments included:* Spearheaded implementation of Sub Accounting and Deposits Reclassification that reduced operating cash requirements by 80% and subsequently reduced operating expenses by 50K annually.* Strategically restricted financial reporting process using an Oracle database.* Served as a key leader in the development of revenue enhancement programing that achieved a 48% annual revenue growth.* Developed the Bank's reward checking by writing program and setting up the procedures.

As a financial consultant, advised small business owners and financial institutions on a variety of accounting and financial processes. Provided resource channels to improve financial strength, growthand longevity within the financial structure of their business. Provided expertise and assistance in dealing with conversions, acquisitions and project management. Licensed insurance provider - Health & Life.

Managed the accounting department and directed firm's finacial activities, including the procurement and investment of funds. Directed preparation of the budget and all financial reports need by senior management. Developed and administred the Bank's cost accounting system. Assisted in the acquisition of Mass Co-op. Developed an automation of the Bank's High preformance checking program, which inceased revenues 100%.

Developed the polices and procedures of all operations of the Bank. Prepared financial reports, developed budgets and regulatory reporting. Assisted in the aquisition of Chestnut Bank and Trust. Developed Banks strategic plan to acquire bulk loan purchases.